FundReady Score™
78
/100
Good
Last updated: May 15, 2026
Approval Readiness by Financing Type
Projected Score Trajectory
Projections are educational estimates based on completing recommended actions.
Top 5 Approval Blockers
1
Credit Utilization
High Impact
Reduce below 30%
2
2 Recent Hard Inquiries
Moderate Impact
Avoid new applications 90 days
3
Collection Account — Medical
Moderate Impact
Validate or pay the account
4
Thin Credit File (3 accounts)
Low Impact
Add a revolving account
5
No Installment History
Low Impact
Add an installment account
Credit Health Summary
Utilization
38%
Above 30% — High
Payment History
98%
Excellent
Derogatories
1 item
Medical collection
Inquiries
2 in 12mo
Moderate
Debt Load
DTI 28%
Acceptable
Positive & Negative Factors
What's Working
On-time payments: 98% over 24 months
No bankruptcies or public records
Oldest account: 7 years 4 months
3 revolving + 1 installment accounts
No late payments in last 12 months
Items to Address
Utilization at 38% — above 30%
No installment account history
2 hard inquiries in last 6 months